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Slide 1

• TIME LIMIT ON CERTAIN DEFENSES -
• 2 YEARS AFTER DATE OF ISSUE NO MISSTATEMENTS ON THE APPLICATION CAN BE USED TO VOID THE POLICY OR DENY EXCEPT FRAUD

Slide 2

• REINSTATEMENT -
• LAPSED POLICY MAY BE PUT BACK IN FORCE. PREMIUM PAYMENT HAVE BEEN SUBMITTED AND THE INSURER DOES NOT NOTIFY THE OWNER WITH ADDITIONAL REQUIREMENTS THE POLICY WILL AUTOMATICALLY BE REINSTATED AFTER 45 DAYS

Slide 3

• NOTICE OF CLAIM-
• WRITTEN NOTICE OF CLAIM MUST BE GIVEN TO THE INSURER WITHIN 20 DAYS AFTER BEGINNING OF ANY LOSS COVERED BY POLICY

Slide 4

• PROOF OF LOSS-
• 90 DAYS TO SUBMIT PROOF OF LOSS

Slide 5

• Probate-

Slide 6